Gold Coin Premium Calculator
Bullion coins almost always cost more than the gold inside them. That extra is the premium — it pays for minting, distribution, and the dealer's margin. Knowing it in percentage terms is the only way to compare offers fairly. Pick a coin (or enter a custom gold content), add the spot price and what you paid or were quoted, and the calculator shows the melt value and the premium in both dollars and percent.
Calculate the premium over spot
Lower premiums are not always better. A rock-bottom price can signal a counterfeit or a bait-and-switch; an unusually high one may hide a numismatic markup. Compare several reputable dealers.
Premium is the price over melt, divided by melt: pay $2,150 for a coin holding $2,000 of gold and the premium is $150, or 7.5%. Common one-ounce coins usually carry the lowest premiums; fractional coins, proofs, and graded pieces carry more. Use this alongside the melt calculator, and read how to vet sellers in our gold coin dealers guide before you buy.
Estimate only — not financial advice. This calculator runs entirely in your browser, stores nothing, sets no cookies, and makes no external calls. It does not fetch a live gold price — every result is based on the spot price and figures YOU enter, and on each coin's published gold content. Gold prices are volatile and can fall as well as rise; dealer premiums, bid/ask spreads, condition, and any numismatic value are not reflected here. Confirm every number with a reputable dealer and live market data, and consult a licensed professional before buying, selling, or making a tax decision. Editorial terms & risk disclosure.